When anything breaks, do I have to pay a deductible?
Most insurance policies require the policyholder to pay an initial "deductible" before the insurer would cover the cost of repairs.
You, the policyholder, are responsible for this deductible before your insurance company begins paying for repairs.
The size of the deductible depends on the policy you have, therefore it might range widely.
Your insurance company will tell you the exact deductible during the policy setting process.
Depending on the details of your case, you may not have to pay a deductible.
To give one example, you might not have to pay a deductible if a natural disaster is specifically mentioned as being covered by your policy.
Determining whether or not a deductible is required requires a thorough examination of your coverage.